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1st Centennial Bank, Performance and Condition Ratios
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 6,206 |
| Cost of funding earning assets | 2.7419% | 2,968 |
| Net interest margin | 3.1235% | 6,580 |
| Noninterest income to average assets | 0.6629% | 3,385 |
| Noninterest expense to average assets | 3.6349% | 2,068 |
| Loan and lease loss provision to assets | 7.2330% | 37 |
| Net operating income to assets | -6.8015% | 8,186 |
| Return on assets (ROA) | -6.4062% | 8,163 |
| Pretax return on assets | -7.0832% | 8,166 |
| Return on Equity (ROE) | -106.8848% | 8,282 |
| Retained earnings to average equity (ytd only) | -106.8848% | 8,277 |
| Net charge-offs to loans | 5.9133% | 60 |
| Credit loss provision to net charge-offs | 181.4107% | 2,765 |
| Earnings coverage of net charge-offs (x) | -0.0726% | 6,299 |
| Efficiency ratio | 108.6512% | 741 |
| Assets per employee ($millions) | 6.1857% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3154% | 47 |
| Loan loss allowance to noncurrent loans | 33.8341% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 14.4647% | 67 |
| Noncurrent loans to loans | 18.6657% | 42 |
| Net loans and leases to total assets | 59.7496% | 5,948 |
| Net loans and leases to deposits | 70.2620% | 6,245 |
| Net loans and leases to core deposits | 79.1033% | 6,686 |
| Total domestic deposits to total assets | 85.0382% | 2,826 |
| Equity capital to assets | 1.3845% | 8,290 |
| Core capital (leverage) ratio | 0.7875% | 8,297 |
| Tier 1 risk-based capital ratio | 1.3851% | 8,295 |
| Total risk-based capital ratio | 2.6979% | 8,295 |
| Memoranda: | ||
| Average total assets | $780,522,800 | 871 |
| Average earning assets | $670,343,600 | 909 |
| Average equity | $46,781,200 | 1,460 |
| Average total loans | $526,274,000 | 900 |